Judo Capital Holdings Ltd (JDO) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Judo Capital Holdings Ltd stock A$1.14, price A$0.94, upside +21.9%, quality 52 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range A$0.8000 – A$2.48 · fair‑value band A$1.14 – A$1.21 · the A$0.9350 price screens below the A$1.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Judo Capital Holdings Limited, through its subsidiaries, engages in the provision of various banking products and services for small and medium businesses in Australia. The company provides personal, self-managed super fund (SMSF), and business term deposits.
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It also offers line of credit, business, equipment, home, and agribusiness loans, as well as healthcare and asset financing. In addition, it provides residential mortgages, and bank guarantees.
Further, it offers acquisition, wholesale, expansion, and working capital funding, as well as judo business, and warehouse lending. The company was incorporated in 2016 and is based in Melbourne, Australia.
Stock analysis
Judo Capital Holdings Ltd (JDO) currently trades at A$0.9350, while our model-based Fair Value estimate is A$1.14, implying the stock looks roughly 18% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of A$1.39 per share, and 4 of the 4 models we run sit above the A$0.9350 price.
Bear case: the Asset-Based group reads lowest at A$1.03, and 0 of the 4 models stay below the price. Data coverage for this calculation is low.
Scenario range: A$1.14 (bear) to A$1.21 (bull), the price of A$0.9350 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Judo Capital Holdings Ltd reported revenue of A$522M in FY2026 versus A$157M in FY2022, a compound +35.2%/yr. Reported net income was A$111M in FY2026.
Key figures
Market cap A$1.2B (≈ $812M) Small · P/E ratio 10.6 · P/S ratio 2.92 · EPS (TTM) A$0.0879 · Net margin 27.5% · Return on equity 6.4% · Return on assets (EBIT) 0.7% (5-year average) · Operating margin 44.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).
What moves the price
The share trades about 51% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 22%, JDO screens cheaper than that median.
Fair Value models
BearA$1.14Fair Value A$1.14BullA$1.21
Price A$0.9350 · Upside +21.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then (A$0.0359 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+89.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+82.4%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+132.3%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+27.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+27.5%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−3% → 32%
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside+21.9% · Top 25%
Profitability
Return on equity (12 months)6.4% · Bottom 25%
Return on assets0.6% · Bottom 25%
Net margin (12 months)27.5% · Below median
Operating margin (12 months)44.8% · Above median
Growth and dividend
Revenue growth (quarter YoY)13.6% · Above median
Balance sheet
Debt / equity1.11× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Judo Capital Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/JDO
Frequently asked questions
Is Judo Capital Holdings Ltd (JDO) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of A$1.14 versus a price of A$0.9350, about +22% upside (undervalued).
What is the fair value of JDO?
Our model-based fair value for Judo Capital Holdings Ltd is A$1.14 (as of Nov 6, 2026), built from audited fundamentals. The current price: A$0.9350.
What is the quality score of JDO?
Judo Capital Holdings Ltd has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Judo Capital Holdings Ltd (JDO)?
Our model-based price target is the fair value of A$1.14 (as of Nov 6, 2026) from 4 valuation models. Cautious scenario A$1.14, optimistic scenario A$1.21. It is a calculation from audited fundamentals, not an analyst target.
What is the Judo Capital Holdings Ltd stock forecast for 2026?
Our models put fair value at A$1.14, about +22% upside versus a price of A$0.9350 (undervalued). Cautious scenario A$1.14, optimistic scenario A$1.21. The calculation is refreshed regularly with new filings.
What is the revenue of Judo Capital Holdings Ltd (JDO)?
Judo Capital Holdings Ltd reported trailing-twelve-month revenue of about A$405M (latest available figure, as of Nov 6, 2026).
What is the intrinsic value of Judo Capital Holdings Ltd (JDO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Judo Capital Holdings Ltd it is A$1.14 per share (as of Nov 6, 2026), against a price of A$0.9350. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Judo Capital Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 6, 2026, JDO trades below its calculated fair value: price A$0.9350, fair value A$1.14, a gap of about +22% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of JDO?
No. The price is what the market pays today (A$0.9350); the fair value is what the company's own numbers justify (A$1.14). For Judo Capital Holdings Ltd the two are A$0.2050 per share apart. That gap is exactly why we show both numbers side by side.
How much is Judo Capital Holdings Ltd worth?
The market values Judo Capital Holdings Ltd at about A$1.2B (market capitalisation, as of Nov 6, 2026). Per share that is A$0.9350; our models calculate a fair value of A$1.14 per share.
What do the bullish and bearish scenarios say about JDO?
Our models span a range for Judo Capital Holdings Ltd: cautious scenario A$1.14, base A$1.14, optimistic A$1.21 per share (as of Nov 6, 2026, price A$0.9350). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of JDO?
Judo Capital Holdings Ltd trades at a price-to-earnings ratio of 10.6 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$1.14 is built from several models across several years. Other multiples: P/B 0.7, P/S 2.9, EV/EBITDA 13.7.
How solid is the balance sheet of Judo Capital Holdings Ltd (JDO)?
Balance-sheet figures for Judo Capital Holdings Ltd (as of Nov 6, 2026): return on equity 6.4%, debt of 1.11 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is JDO from its 52-week high?
Judo Capital Holdings Ltd trades at A$0.9350, about 51% below its 52-week high of A$1.92 and 6% above the low of A$0.8800 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of A$1.14 is for.
Which stocks are comparable to Judo Capital Holdings Ltd?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Judo Capital Holdings Ltd stock attractive at the current price?
The data as of Nov 6, 2026: price A$0.9350, calculated fair value A$1.14 (+22%), Quality Score 52/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of JDO calculated?
We run Judo Capital Holdings Ltd through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of A$1.14 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Judo Capital Holdings Ltd currently trades 18% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Judo Capital Holdings Ltd (JDO)?
The closing price on Nov 6, 2026 was A$0.9350. Our model-based fair value is A$1.14, about +22% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Judo Capital Holdings Ltd right now?
The price is below even our cautious bear case (A$1.14). The market is more pessimistic than our downside scenario. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. The models converge in a tight band (A$1.14 to A$1.21), unusually little disagreement for a valuation. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of Judo Capital Holdings Ltd
How large is the market capitalisation of Judo Capital Holdings Ltd (JDO)?
The market capitalisation of Judo Capital Holdings Ltd is A$1.2B (≈ $812M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Judo Capital Holdings Ltd (JDO)?
The price-to-sales ratio of Judo Capital Holdings Ltd is 2.92 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Judo Capital Holdings Ltd (JDO)?
Earnings per share at Judo Capital Holdings Ltd are A$0.0879 (price ÷ EPS = P/E 10.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Judo Capital Holdings Ltd (JDO)?
The net margin of Judo Capital Holdings Ltd is 27.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Judo Capital Holdings Ltd (JDO)?
The return on equity (ROE) of Judo Capital Holdings Ltd is 6.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Judo Capital Holdings Ltd (JDO)?
On an EBIT basis the return on assets of Judo Capital Holdings Ltd is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Judo Capital Holdings Ltd (JDO)?
The operating margin of Judo Capital Holdings Ltd is 44.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Judo Capital Holdings Ltd (JDO)?
Revenue at Judo Capital Holdings Ltd is growing +13.6% versus a year earlier (3y avg −3.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Judo Capital Holdings Ltd (JDO)?
Earnings per share at Judo Capital Holdings Ltd are growing +11.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Judo Capital Holdings Ltd (JDO) generate?
The free cash flow of Judo Capital Holdings Ltd is A$279M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Judo Capital Holdings Ltd (JDO) carry?
The net debt of Judo Capital Holdings Ltd is A$2.5B (fiscal year 2026, ≈ 8.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 6, 2026